TEXAS ALL LINES ADJUSTER
CERTIFICATION EVALUATION EXAM 2026
QUESTIONS WITH ACCURATE ANSWERS
⩥ Insured. Answer: A person covered by an insurance policy; pays
premiums in exchange for protection
⩥ Insurer. Answer: provides financial protection to insured
⩥ reserve. Answer: collective premiums go in a pool or a
⩥ claimant. Answer: after filing an claim the insured becomes the
⩥ Principle of Indemnity. Answer: Restoration to approximate previous
financial condition; no more, no less.
⩥ agreement (acceptance and offer)
consideration
competent parties
legal purpose. Answer: a insurance policy is binding because it meets
what 4 requirements of a legal contract
,⩥ Upmost good faith. Answer: insurance contracts assume; applicants
must be honest about the risk to the insurer
⩥ unilateral. Answer: insurance contracts are considered
⩥ dec page
insuring agreement
conditions
exclusions. Answer: an insurance contract has four essential parts think
DICE
⩥ Dec page. Answer: always the first part in a contract that establishes:
name (insured and insurer)
policy #
location and description of insured item
value of insured item
dates of policy (beginning and end)
amount/limit of coverage
deductible
premium
⩥ definitions page. Answer: defines terms used in policy and includes
important language adjuster needs to know
, ⩥ insuring agreement. Answer: summarizes:
what is covered
which causes of loss are covered
any exclusions
maximum limit of coverage in dollars
⩥ conditions. Answer: insurer specifies any limits or qualifications the
policy holder must meet
⩥ exclusions. Answer: lists what the policy does NOT cover
commonly: earthquakes, floods, war, nuclear hazards, intentional acts
⩥ endorsements
rider
addendum
attachment. Answer: addictions to an insurance policy (can add or
reduce coverage, change policy provisions, premium price changes after
policy ends)
⩥ re-insurer. Answer: when and insurer buys insurance to reduce its
exposure to loss
CERTIFICATION EVALUATION EXAM 2026
QUESTIONS WITH ACCURATE ANSWERS
⩥ Insured. Answer: A person covered by an insurance policy; pays
premiums in exchange for protection
⩥ Insurer. Answer: provides financial protection to insured
⩥ reserve. Answer: collective premiums go in a pool or a
⩥ claimant. Answer: after filing an claim the insured becomes the
⩥ Principle of Indemnity. Answer: Restoration to approximate previous
financial condition; no more, no less.
⩥ agreement (acceptance and offer)
consideration
competent parties
legal purpose. Answer: a insurance policy is binding because it meets
what 4 requirements of a legal contract
,⩥ Upmost good faith. Answer: insurance contracts assume; applicants
must be honest about the risk to the insurer
⩥ unilateral. Answer: insurance contracts are considered
⩥ dec page
insuring agreement
conditions
exclusions. Answer: an insurance contract has four essential parts think
DICE
⩥ Dec page. Answer: always the first part in a contract that establishes:
name (insured and insurer)
policy #
location and description of insured item
value of insured item
dates of policy (beginning and end)
amount/limit of coverage
deductible
premium
⩥ definitions page. Answer: defines terms used in policy and includes
important language adjuster needs to know
, ⩥ insuring agreement. Answer: summarizes:
what is covered
which causes of loss are covered
any exclusions
maximum limit of coverage in dollars
⩥ conditions. Answer: insurer specifies any limits or qualifications the
policy holder must meet
⩥ exclusions. Answer: lists what the policy does NOT cover
commonly: earthquakes, floods, war, nuclear hazards, intentional acts
⩥ endorsements
rider
addendum
attachment. Answer: addictions to an insurance policy (can add or
reduce coverage, change policy provisions, premium price changes after
policy ends)
⩥ re-insurer. Answer: when and insurer buys insurance to reduce its
exposure to loss
